AGEAS car insurance review

With a 5-star Defaqto rating and plenty of perks, AGEAS car insurance could be the right fit for you.

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AGEAS car insurance

With AGEAS you can only get comprehensive insurance policies, so you can be sure your own car will be protected should you have an accident.

What’s more, with a top 5-star rating by the independent analysis firm Defaqto, AGEAS is definitely worth a look.

In this review we look at what AGEAS will cover you for in detail and look at whether it offers any decent perks and benefits too.

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Who is AGEAS?

With roots going back as far as 1824, AGEAS is one the biggest insurers in the UK with more than 5 million customers. It is part of an international group too.

If you like a human touch it has a 24/7 in-house claims team. Meanwhile you get a lifetime guarantee on any repairs done by one of its approved garages.

What are AGEAS’ levels of cover?

AGEAS only offers comprehensive car insurance. New and young drivers shouldn’t be put off by this fact.

You might be thinking you need a third party or third party, fire and theft policy. After all, these are generally cheaper than a comprehensive deal.

However, insurance companies sometimes charge less for comprehensive policies as high-risk customers have traditionally taken out third party cover.

AGEAS comprehensive cover

A comprehensive policy will cover any damage you do to other road users or their property. Yet it will also pay out if your own car is damaged in an accident, a fire or during a robbery.

AGEAS also offers perks like an uninsured driver promise, so you’ll keep your no claims discount if you’re hit by a driver who doesn’t have cover.

Plus if you have an accident and your car can’t carry on, AGEAS will arrange onward travel to your next destination.

Optional extras

AGEAS also has a number of extras to add to your cover. Optional extras include:

  • Legal expenses cover
  • Breakdown cover
  • Replacement vehicle cover
  • Personal accident cover
  • Key cover
  • Excess protection cover

What’s covered under my policy?

Cover benefitsComprehensive
Fire and theft
Personal belongingsUp to £10,000 per accident
Personal accidentUp to £100
Lifetime guarantee for approved repair work
Accidental damage
Courtesy car cover
Windscreen cover
European car insuranceUp to 90 days
In-car entertainment coverUp to £300 for equipment fitted to the car
Onward journey costs
Replacement locks and keys
24-hour motor legal advice helpline

Check your policy carefully to ensure it covers everything you need it to cover.

General exclusions

As with all insurance providers, AGEAS has a list of reasons why it will refuse to pay out for a claim. General exclusions include:

  • Wear and tear damage
  • Mechanical breakdown
  • Punctures
  • Vandalism if car left unlocked
  • Theft by persons known to you
  • Acts of war or terrorism

For a full list and explanation of the exclusions, see your insurance policy.

How to save on your AGEAS car insurance policy

  • Drive safely. You can keep insurance costs down by trying to avoid getting speeding tickets and by keeping your claims to a minimum.
  • Keep your car locked up. Parking your vehicle in a garage or on a secure driveway can lower your premiums.
  • Lower mileage. Maybe you’ve recently changed to a job that’s closer to home? Tell your insurer if so. It might decide to slash your costs as you’ll be spending less time on the road.
  • Up the excess. Voluntarily agreeing to a higher excess can bring your premiums down, although it could work out hitting your wallet harder in the long run, if you have to claim.
  • Pick a smaller car. Less powerful cars generally cost less to insure, so ask your insurer what type of vehicle you should buy if you’re thinking of switching to a new motor.
  • Check comprehensive. Because high-risk drivers have historically gone for lower levels of cover, you might just find comprehensive is cheaper.

What is my excess?

An excess is the amount of money you have to pay towards a claim before the insurance money kicks in. Usually this excess fee won’t be any higher than £350 and the point of it is to stop customers making frequent claims for small repair jobs.

By volunteering to have a higher excess you can lower your insurance premiums, although you need to make sure you can afford to pay the fee should you need to make a claim.

How do I make a claim?

You can speak to AGEAS’ claims team all year round and every hour of the day by calling 0345 125 2450.

It’s a good idea to have your insurance details and information about your claim to hand when getting in touch.

For windscreen claims you should call 0345 165 0581 instead though. Likewise you’ll need a different number if you have a personal accident claim, a legal protection claim, a breakdown or you’re calling from abroad. Check the AGEAS website to find out the contact details.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

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